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Pine Bluff Cotton Belt Federal Credit Union Rates and Review January 2026

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Pine Bluff Cotton Belt Federal Credit Union12-month CD rates can be found at 3.20%, 6-month CD rates at 3.53% and 3-month CD rates at 3.80%. Savings rates are at 0.05% and money market rates are at 3.00%. Mortgage rates on 30-year fixed loans are around 5.65%. Credit Card rates are at 18.24%. Personal Loan rates are at 9.00%. All these rates, and more, can be found in our database of rates which you can compare to Pine Bluff Cotton Belt Federal Credit Union rates.

Compare Pine Bluff Cotton Belt Federal Credit Union CD rates to other credit union and bank CD rates by searching our comprehensive rate tables. You can do side-by-side comparisons of Pine Bluff Cotton Belt Federal Credit Union savings rates, CD rates and money market rates, with rates from other banks and credit unions below. You can also compare loan rates, including mortgage rates, personal loan rates and credit card rates.

Rate Updates and Availability

Pine Bluff Cotton Belt Federal Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best CD rates or other rates available. Have you opened an account or have any experiences at Pine Bluff Cotton Belt Federal Credit Union? Share your experience about Pine Bluff Cotton Belt Federal Credit Union by leaving a review below, or read customer reviews before you decide to use Pine Bluff Cotton Belt Federal Credit Union.

Overall, Pine Bluff Cotton Belt Federal Credit Union is an excellent credit union worth considering, with an overall rating of 5 stars out of 5 stars.

Current Interest Rates

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A

"N/A" indicates the product is not offered or the rate is unavailable.

Pine Bluff Cotton Belt Federal Credit Union
Pine Bluff Cotton Belt FCU
1703 River Pines Blvd
Pine Bluff, AR 71601
Member NCUA
MonitorBankRates' Rating
5/5
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CD & Savings Rate Comparison

Bank
Product
APY
Min Dep
12-Month CD
3.85%
$500
60-Month CD
3.79%
$100
60-Month CD
3.70%
$1,000
48-Month CD
3.55%
$500
24-Month CD
3.51%
$500
24-Month CD
3.50%
$500
60-Month CD
3.50%
$1,000
12-Month CD
3.40%
$100
12-Month CD
3.25%
$1,000
12-Month CD
3.25%
$1,000
48-Month CD
3.25%
$1,000
60-Month CD
3.04%
$1,500
12-Month CD
3.03%
$500
60-Month CD
3.03%
$1,000
30-Month CD
3.00%
$2,000
36-Month CD
3.00%
$500
6-Month CD
2.75%
$500
24-Month CD
2.70%
$5,000
24-Month CD
2.60%
$1,000
48-Month CD (star saver)
2.31%
$100
36-Month CD
2.27%
$1,000
12-Month CD
2.22%
$500
60-Month CD
2.02%
$500
24-Month CD
2.02%
$1,000
Gold Checking
2.00%
$500
18-Month CD
2.00%
$1,000
60-Month CD
1.80%
$1,000
60-Month CD
1.76%
$1,000
48-Month CD
1.76%
$1,000
Premier Business Money Market
1.75%
$10,000
18-Month CD
1.50%
$1,000
48-Month CD
1.35%
$500
18-Month CD
1.31%
$2,500
Savings
1.10%
$50
48-Month CD
0.80%
$500
36-Month CD
0.60%
$500
30-Month CD
0.60%
$500
60-Month CD
0.40%
$500
18-Month CD
0.35%
$2,000
Statement Savings
0.25%
$50
Republic Savings
0.25%
$100
18-Month CD
0.25%
$500
Statement Savings
0.10%
$100
24-Month CD
0.10%
$1,000
Money Market
0.10%
$1,000
Regular Share Savings
0.10%
$25
Statement Savings
0.05%
$0
Money Market
0.05%
$1,000
Regular Savings
0.05%
$100
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The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rate Comparison

Lender
Product
Rate
APR
Points
5.625%
5.796%
0.000
5.125%
6.002%
0.000
15-Year Fixed
5.680%
5.964%
0.000
5.750%
6.309%
0.000
5.250%
6.041%
0.000
5.875%
6.359%
0.000
5.875%
6.010%
0.000
30-Year Fixed
5.750%
5.842%
0.000
5.125%
5.304%
0.000
15-Year Fixed
5.500%
5.718%
0.000
15-Year Fixed
5.625%
5.747%
0.250
30-Year Fixed
6.000%
6.068%
0.000
15-Year Fixed
5.500%
5.650%
0.000
6.125%
6.266%
0.000
10-Year Fixed
5.375%
5.540%
0.000
15-Year Fixed
5.500%
5.571%
0.000
6.500%
6.630%
0.000
15 Year Fixed
6.125%
6.209%
0.000
15-Year Fixed
5.625%
5.697%
0.000
30-Year Fixed
6.125%
6.219%
0.000
5.375%
6.097%
0.000
5.625%
6.072%
0.000
5/1 ARM (Jumbo)
6.500%
6.546%
0.000
5.625%
5.726%
0.000
30-Year Fixed Jumbo
6.625%
6.809%
0.000
5.625%
5.643%
0.000
20-Year Fixed
5.500%
5.627%
0.000
4.250%
4.514%
0.750
5.750%
5.977%
0.000
5.625%
5.846%
0.000
5.000%
5.080%
0.000
20 Year Fixed
5.500%
5.640%
0.000
5.500%
5.680%
1.125
5.250%
5.452%
0.000
6.000%
6.123%
0.000
15-Year Fixed
5.750%
5.943%
0.000
5.875%
5.900%
0.000
6.000%
6.085%
0.000
30-Year Fixed
5.625%
5.685%
0.000
5.200%
5.453%
0.000
20-Year Fixed
5.875%
6.140%
0.000
5.875%
6.070%
0.000
30-Year Fixed
6.000%
6.067%
0.000
5.375%
5.512%
0.000
15-Year Fixed
5.750%
5.769%
0.000
5.750%
5.827%
0.000
5.625%
6.117%
0.000
5.625%
5.781%
0.878
20-Year Fixed
5.625%
5.675%
0.000
5.250%
5.382%
0.000
View 50 More

Credit Card Rate Comparison

Institution
Product
APR
Notes
Security Service Power Travel Rewards World MasterCard
16.250% - 17.250%
CLASSIC FLAT 1% CASH BACK VISA
18.000%
1% Cash Back Classic Card
13.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
GM Extended Family™ Mastercard®
20.240% - 29.990%
0% Intro purchase APR for first 9 months
SIGNATURE 1.5% CASH BACK VISA
18.000%
Unlimited 1.5% Cash Back Signature Card
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
12.240% - 18.000%
No annual fees or cash advance fees. Rates may vary depending on credit worthiness.
Savings Secured Visa®
18.000%
7.900%
Member Cash Rewards+ VISA
17.040% - 23.040%
Maximize rewards with increased cash back on everyday purchases – with up to 4% cash back on gas purchases. Plus, 3% on groceries, restaurants, and food delivery with 1% on everything else.
9.990%
13.900%
Academic FCU VISA® Secured Card
10.900% - 15.400%
No annual fee, no cash advance fee, rewards program.
Security Service Power Rewards MasterCard
18.000%
Visa Platinum Credit Card
8.900%
No annual fee. No balance transfer fee. No cash advance fee.
Visa Platinum with Rewards
9.900%
VISA Credit Card
11.900%
No annual fee
18.000%
Academic VISA® Gold
15.400%
Visa Platinum Credit Card
9.500% - 12.500%
16.240% - 27.240%
9.990%
Credit Line $500-$7,000
Student Select Rewards Visa
17.200%
Introductory rate of 0% APR for the first twelve months on balance transfers and cash purchases.
VISA® Classic
12.960%
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The credit card rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date credit card rates. The actual credit card rates and other loan conditions depend on the institution's approval and are not guaranteed.

Personal Loan Rate Comparison

Institution
Product
APR
Loan Amt
Loan Term Months
Personal Line of Credit
12.950% - 18.000%
$0
Signature Loans
12.990%
$0
48
Personal Loan
12.000% - 12.090%
$1,500 - $15,000
60 - 60
Term Line of Credit 84 months
8.000%
$0
12.990%
$0
13 - 60
10.990%
$500
36
10.000%
$0
60
Personal Loans
11.000%
$0
37 - 60
Debt Consolidation Loan
9.000%
$0
108
10.250% - 10.650%
$3,000 - $25,000
Personal Line of Credit
9.500%
$0
A+ Personal Loan
8.990%
$0
84
Personal/Signature
10.990%
$0
24 - 36
Personal Loan
11.000%
$0
1 - 12
Bill Consolidation Loan
8.990%
$0
60
10.250% - 17.950%
$0
1 - 36
7.990%
$0 - $30,000
Signature (Unsecured) Loan
11.040%
$0
1 - 24
Personal/Signature Loans
11.150%
$0
60 - 60
Personal Loans Share Secured
5.990%
$0
48
Personal Line of Credit
11.500%
$0
13.240%
$0
48
10.490%
$0
Signature Loan
10.500%
$0
10.000%
$0
12 - 12
Show More

The personal loan rates presented are solely intended for informational use. Please consult the mentioned institutions for up-to-date personal loan rates. The actual personal loan rates and other loan conditions depend on the institution's approval and are not guaranteed.

Our apologies, we do not have Pine Bluff Cotton Belt Federal Credit Union rate data right now.

Credit Union Profile & Overview

Credit Union Name: Pine Bluff Cotton Belt Federal Credit Union
Full Time Employees: 22
Part Time Employees: 2
President: JOE SPADONI
CEO: Greg Hutchins
Branch Locations: 1
ATM Locations: 2
Corporate Office Address:
1703 River Pines Blvd
Pine Bluff, AR 71601
Phone Number: 870-535-6365
Fax Number: 870-535-0765

Financials

Total Assets:
69,753,823
Total Amount of Shares and Deposits:
53,795,307
Total Shares and Deposits < 1 Year:
52,769,486
Total Shares and Deposits 1 3 Years:
1,025,821
Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E):
2,605,401
Total Uninsured Shares and Deposits > $250K (F+J):
2,605,401
Total Insured Shares and Deposits > $250K (item 17 less item K):
51,189,906
Total Interest Expense (Sum of items 6 8):
172,652
Share Certificates:
173
Number of Accounts for Share Drafts:
4,246
IRA KEOGH Accounts:
197
Number of Accounts for Regular Shares:
6,070
All other shares:
438
Non Member Deposits:
2
Net Income (unless the amount is already included in Undivided Earnings):
1,209,937
Total Cash on Deposit (Amounts Deposited in Financial Institutions):
1,722,974
Total Liabilities:
58,453,493
Show More
Source: NCUA Last Updated 09/30/2025

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Frequently Asked Questions About Pine Bluff Cotton Belt Federal Credit Union

Is a member application needed to join Pine Bluff Cotton Belt Federal Credit Union?

Yes, to access services at Pine Bluff Cotton Belt Federal Credit Union, a member application is required.

Is there a first-time homebuyer program?

Currently, Pine Bluff Cotton Belt Federal Credit Union provides a range of mortgage and home equity products.

Is Pine Bluff Cotton Belt Federal Credit Union a safe place to deposit money?

Yes, Pine Bluff Cotton Belt Federal Credit Union is considered a safe financial institution. Your accounts are federally insured by the NCUA up to $250,000 per depositor.

Does Pine Bluff Cotton Belt Federal Credit Union offer online and mobile banking?

Most modern institutions like Pine Bluff Cotton Belt Federal Credit Union provide digital access including online balance checks and transfers.

Current Pine Bluff Cotton Belt Federal Credit Union Rates

ProductAPY

Rates subject to change.

Compare to other Credit Unions